Access control system for implementing access restrictions of regulated database records while identifying and providing indicators of regulated database records matching validation criteria

ABSTRACT

A digital targeting system is configured to access data to determine users that satisfy content factors, such as pre-validation criteria, based on user information stored in a database having restrictions on sharing of user data, such as government regulations on sharing of the user information. The digital targeting system may then generate a pre-validated user ID list indicating those users that match the content factors. Users on the pre-validated user ID list may then be matched to users in other databases, such as a digital ID database, to identify digital IDs for the users that are usable by a digital display entity.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application is a continuation of U.S. application Ser. No.15/253,743, filed on Aug. 31, 2016, which claims the benefit of priorityunder 35 U.S.C. § 119(e) of U.S. Provisional Application No. 62/259,039filed Nov. 23, 2015, the disclosures of which are hereby incorporated byreference in their entirety.

BACKGROUND

With increasing access to electronic data online, allocating andenforcing access restrictions to regulated data presents significanttechnical challenges.

SUMMARY

Discussed herein are various systems and methods of implementing accessrestrictions of regulated database records while identifying andproviding indicators of regulated database records matching validationcriteria. For example, in some embodiments such a system may include apre-validation system and a targeting system that are in datacommunication and share certain information to maintain privacyrestrictions on user information while providing the most appropriateinformation to the users. In some embodiments, the pre-validation systemcomprises one or more hardware computer processors and one or morestorage devices configured to store software instructions executable bythe one or more hardware computer processors. The software instructionsmay cause the pre-validation system to receive pre-validation criteriaindicating attributes of users that qualify them for a content item froma provider (e.g., an offer provider), access a regulated database ofregulated user records including, for each of a plurality of users, aregulated user ID and a plurality of regulated user attributes, whereinaccess to the user records is regulated by third-party regulations, andreceive a targeting database comprising a plurality of targeting recordsassociated with respective users, each targeting record including a userID and associated personal user information. In some embodiments, foreach of the user IDs of the targeting database, the pre-validationsystem: correlates the user ID with a regulated user record of theregulated database based at least on one or more matches of the personaluser information and corresponding of the plurality of regulated userattributes, determines whether the plurality of regulated userattributes match the criteria of the content factors, and identifies theuser ID as a pre-validated user ID if the criteria of the contentfactors are matched. In some embodiments, the pre-validation systemgenerates a pre-validated user ID list including each of thepre-validated user IDs, wherein the pre-validated user ID list does notinclude any regulated user attributes from the regulated database andtransmits the pre-validated user ID list to a targeting system.

In some embodiments, the targeting system comprises one or more hardwarecomputer processors and one or more storage devices configured to storesoftware instructions executable by the one or more hardware computerprocessors to cause the targeting system to receive the pre-validateduser ID list from the pre-validation system, receive, from a digitaldisplay entity (e.g., on online digital display entity), a digitalentity database comprising a plurality of digital user recordsassociated with respective users of an online service provided by theonline digital display entity, each of the digital user recordsincluding a digital ID and personal information of the associated user,and for each of the digital IDs in the digital entity database, searchthe targeting database for personal user information matching personalinformation of the corresponding digital user record. In someembodiments, if matching personal information is identified in thetargeting database, the targeting entity adds the digital ID to adigital ID list, or if matching personal information is not identifiedin the targeting database, the targeting entity does not add the digitalID to a digital ID list, which is then transmitted to the online digitaldisplay entity, wherein the digital ID list identifies users havingregulated user attributes in the regulated database matching the contentfactors.

In some embodiments, the regulated database further includes one or morenon-regulated attributes that are not subject to the third-partyregulations. In some embodiments, correlating user IDs includingdetermining a confidence level indicating a degree of correlationbetween personal user information and the plurality of regulated userattributes and identifying the user ID as a pre-validated user ID onlyif the confidence level meets a minimum threshold confidence level.

In some embodiments, determining whether the plurality of regulated userattributes match the criteria of the content factors comprises receive aweighting for each criteria; weighting each determination of contentfactors based on the weightings; determine an overall score based on theweighted determination of content factors; and determine if the overallscore meets a certain threshold. In some embodiments, criteria of thecontent factors comprise a minimum or maximum value associated with atleast one of: a credit score, bankruptcy data, debt, types of credit,length of credit use, late payments, lines of new credit opened, ortotal debt. In some embodiments, the personal user information comprisesat least one of: name, address, phone number, or email.

In some embodiments, transmitting the digital ID list to the onlinedigital display entity comprises transmitting the digital IDs withouttransmitting the corresponding user IDs from the targeting database. Insome embodiments, the digital targeting system periodically provides atleast portions of the targeting database to the pre-validation system.In some embodiments, the stored software instructions further cause thepre-validation system to: receive from a user device user authenticationinformation; if the user is authenticated, deploy a firm offer on aproduct; and if the user is not authenticated, deploy a general offer.In some embodiments, the regulated user records are FCRA regulatedcredit data from one or more credit bureaus. In some embodiments, thecriteria of the content factors are criteria for providing a creditoffer, and the offer provider is a credit issuer.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a block diagram illustrating one embodiment of a digitaltargeting system.

FIG. 2 provides an illustrative flow diagram of a digital targetingsystem, according to one embodiment.

FIG. 3 provides an illustrative data flow example for providing targetedoffers for credit to online users using user credit-related information,but without the need to use cookies, according to one embodiment.

FIG. 4 provides an illustrative data flow example for providing targetedoffers of credit to online users that are pre-validated based on theircredit information, without sharing any of the user's credit informationwith a digital provider of the credit offer, according to oneembodiment.

FIG. 5 provides an illustrative flow diagram of an advertisementcampaign, according to one embodiment.

FIG. 6 is a block diagram showing example components of a pre-validationsystem, according to an embodiment.

FIG. 7 is a block diagram showing example components of a pre-validationsystem, according to an embodiment, which represents example componentsand functions of any of the systems, devices, and/or entities discussedherein.

These and other features will now be described with reference to thedrawings summarized above. The drawings and the associated descriptionsare provided to illustrate certain embodiments and not to limit thescope of the invention. Throughout the drawings, reference numbers maybe re-used to indicate correspondence between referenced elements. Notethat the relative dimensions of the following figures may not be drawnto scale.

DETAILED DESCRIPTION

Various embodiments of systems, methods, processes, and data structureswill now be described with reference to the drawings. Variations to thesystems, methods, processes, and data structures which represent otherembodiments will also be described. Although several embodiments,examples and illustrations are disclosed below, the inventions describedherein extend beyond the specifically disclosed embodiments, examplesand illustrations and includes other uses of the inventions andmodifications and equivalents thereof. Embodiments are described withreference to the accompanying figures, wherein like numerals refer tolike elements throughout. The terminology used in the descriptionpresented herein is not intended to be interpreted in any limited orrestrictive manner simply because it is being used in conjunction with adetailed description of certain specific embodiments of the invention.In addition, various embodiments can comprise several novel features andno single feature is solely responsible for its desirable attributes oris essential to practicing the inventions herein described.

Currently, there are several methods of processing user information inorder to determine risk of lending to the user. For example, apre-screening process may occur in real-time without the usernecessarily knowing that their credit is being accessed (withoutauthorizing access to the user's credit data from one or more creditbureaus), while a pre-qualification process may be performed in responseto a user request for information regarding qualification for one ormore credit products (and authorizing access to the user's credit datafrom one or more credit bureaus). Such pre-screening andpre-qualification processes are generally referred to herein aspre-validation processes or prescreening processes. For instance, anentity may request pre-validation of a specific user for one or morecredit products. A credit file for the specific user may be pulled, thecredit data assessed based on pre-approval criteria (or factors) and therequesting entity notified if the specific user met the pre-approvalcriteria. Such pre-validation processes work well for providing offers(e.g., credit card offers) to known individuals. However, in the onlineworld there are many opportunities to provide offers to online users,such as users that are accessing a social media site, that may not beuniquely identifiable (e.g., to the user level) through browsing data,and thus targeted offer opportunities to those users are lost.

As discussed further below, a pre-validation entity provides a digitaldisplay entity the ability to offer products and services to users of anonline service (e.g., a social media site) by screening users foreligibility for particular products or services of the offer providerbased on regulated data (e.g., credit data that is regulated by theFCRA) that is accessible to the pre-validation entity, but notaccessible to the digital display entity. Once users that meet thepre-validation requirements of the offer provider are identified, thepre-validation entity (and/or another entity) may provide indications ofthe pre-validated users to the digital display entity so that the offerfor the goods or services can be provided to the prescreened users. Oneexample of an offer may be via showing an ad for the offer targeted tothe qualified individual, so that the user can select the ad and beredirected to the offer provider site, for example, where the actualoffer may be displayed. Another example may be via display of an ad forthe offer or the offer itself via the online service, such as when theuser accesses the online service. In other embodiments, an advertisementfor the offer and/or the offer itself may be provide to the user viaother means, such as any the digital display channels discussed below.Thus, while certain examples herein may discuss particular digitaldisplay entities that provide an offer or an advertisement for an offer,any other digital display entity and/or channel may be usedalternatively.

Definitions

In order to facilitate an understanding of the systems and methodsdiscussed herein, a number of terms are defined below. The terms definedbelow, as well as other terms used herein, should be construed toinclude the provided definitions, the ordinary and customary meaning ofthe terms, and/or any other implied meaning for the respective terms.Thus, the definitions below do not limit the meaning of these terms, butonly provide exemplary definitions.

A pre-validation entity (also referred to herein as a “prescreenentity”, a “pre-validation computing system”, or a “pre-validationsystem”) is generally an entity and associated computing systems thatmaintain and/or have access to regulated user data that is usable toidentify users that qualify for a particular product or service. Thepre-validation entity manages a pre-validation system that receivespre-validation criteria indicating user attributes that qualify usersfor an offer for a product or service from the offer provider.

Depending on the embodiment, the regulated user data may include creditdata regulated by the Fair Credit Reporting Act (FCRA), which restrictssharing of the credit data from the pre-validation entity. Thus, in someembodiments the pre-validation entity is a credit bureau, a businessunit of a credit bureau that maintains the credit data and enforces theFCRA access regulations, and/or another entity that is authorized toaccess the credit data. In other embodiments, the regulated user datamay include other types of data, such as healthcare data regulated bythe Health Insurance Portability and Accountability Act (HIPAA) or otherdata that is subject to external regulations (such as set by agovernment agency) that restrict access to user data that is useful inscreening users for certain goods or services. In the examples discussedherein, the pre-validation entity is configured to limit disseminationof any regulated and/or non-regulated user data, such as to reduce therisk that the regulated user data is used in a manner that may not meetthe relevant regulations. For example, credit data (regulated user data)is subject to access restrictions of the FCRA that restrict use of usercredit data in a different manner than regulations and/or sharingrestrictions that may be imposed on marketing data of a targetingentity. Thus, even if the targeting entity is authorized to use theregulated user data, the pre-validation system may limit regulated userdata provided to the targeting entity to reduce risks associate withdata loss (whether intentional or fraudulent) at the targeting entity(which may not have the same level of data protection as thepre-validation entity). Depending on the embodiment, pre-validationprocesses discussed herein may include one or more prescreen and/orpre-qualification processes.

An offer provider (also referred to as an “offer provider entity”,“offer computing system”, or “offer system”) is generally anorganization that offers goods or services to users (e.g., consumers),such as goods or services that introduce some risk of loss to the offerprovider if the user fails to comply with terms of the agreement betweenthe offer provider and the user. For example, the offer provider may bea credit card issuer that offers and issues credit cards to individuals.Prior to offering such financial services to users, the credit cardissuer typically analyzes (or receives information from another entityregarding) financial information of the user to determine riskassociated with offering a credit card to the user. For example, a riskscore, such as a credit score, may be used as an indicator of risk thatthe user defaults on the credit card. In other embodiments, the offerprovider may be an insurance provider, a mortgage broker, a product orservice supplier/manufacturer/distributer, an intermediary for servicesand products, a marketing or public relations firm, or any other entitythat offers products or services. In some embodiments, the offerprovider identifies pre-validation criteria that must be met for theoffer provider to approve providing product or service offers to users.For example, a credit card issuer offer provider may determinepre-validation criteria indicating a minimum credit score (e.g., above700) that is required for the credit card issuer to offer a particularcredit card to a user.

A targeting entity (also referred to herein as a “targeting computingsystem” or “targeting system”) is generally an entity that provideslinkage to advertising platforms for targeted advertising. An example ofa targeting entity is Experian Marketing Services which maintains atargeting system, a targeting database, as well as a linkage platform. Atargeting system may be a platform that links multiple datasetstogether, and may or may not use Personally Identifiable Information(“PII”) to link the datasets. The targeting system may maintain linkingkeys to various digital display entities, which may include subscriberdatabases for various services, such as email, advertising, onlineservices, TV, etc. cookies to connect to digital display channels thatdo not maintain subscribers or members, or any entity that may haveaccess to digital identifiers that identify a user.

An example of a targeting system is Experian Marketing ServicesOmniActivation Audience Engine, a platform that maintains linked IDs toconnect targeted audiences to digital identifiers of various digitaldisplay entities. A targeting entity may also have a linkage platformwhich connects disparate information about a user into consistentprofiles. An example would be Experian Marketing Services OmniView. Atargeting entity may also maintain a targeting database storingtargeting records associated with a plurality of users. For example, atargeting database may store various types of information regardingindividuals, such as name, address, contact information, month and yearof birth, primary decisions maker, marital status, ethnicity,occupation, other demographic information, and/or any other attributesof users. A targeting database may store data regarding groups ofindividuals, such as households or businesses. For example, householdinformation may indicate presence of children, length of residence,dwelling unit size, owner/rent status, home value, estimated householdincome, mortgage amount/date, other demographic information associatedwith the household, and/or any other attributes of groups of users. Oneexample of a targeting database is Experian's ConsumerView database,which includes data on more than 200 million consumers and 100 millionhouseholds, such as the user and household attributes noted above, thatare usable in determining targeted marketing strategies, such asidentifying targeted offers for particular users and/or households. Thetargeting database generally includes targeting profiles, includingunique targeting IDs, for each of a plurality of users.

A digital display entity (also referred to herein as a “digital displaycomputing system” or “digital display system”) is generally an entitythat provides online content to users via one or more digital displaychannels, such as any entity that maintains a database of users (whetherhundreds, millions, or more users) and some contact information and/oridentification information that would allow provision of content tothose users. For example, digital display entities include a socialmedia company (such as Facebook, Twitter, Instagram, Pinterest, etc.), asearch engine or advertising platform (such as Google, Yahoo, Bing,etc.), a merchant (such as Gap, Banana Republic, Old Navy, etc.), asoftware application provider (e.g., Microsoft, Google, Steam, etc.), adevice provider (e.g., Apple, Samsung, Google, etc.), addressabletelevision or video providers (e.g., Hulu, Netflix, Chromecast, Amazon,Verizon, DirectTV, etc.) a content provider (e.g., Pandora, Spotify,etc.), a credit provider (e.g. Experian, TransUnion, Equifax), or anyother entity that maintains user accounts that allow the digital displayentity to identify the user. A digital display entity may also includeentities that have access to digital identifiers for the entities listedabove.

In some embodiments, the digital display entity maintains a digitalentity database storing digital user records associated with users ofthe online content, products, services, etc. of the digital displayentity. Users typically can access such online content, products,services, etc., after an authentication process, such as providing ausername and password to the digital display entity. Digital entitydatabases typically include a digital ID for each of the users, such asan identifier that is usable to access a corresponding digital userrecord of a user. In some embodiments, digital display entities canprovide content to users without the user logging into an account. Forexample, a digital entity database of a smart phone provider may be usedto provide customized content to a particular user based on anassociation between a smart phone ID (e.g., a MAC address or serialnumber of the phone) with user information (e.g., that may have beenprovided when the user purchased the smart phone), via a nativemessaging application of the smart phone or a standalone applicationinstalled on the phone, for example. For example, a social media digitaldisplay entity may store digital user records in the form of socialmedia profiles that are associated with social media identifiers, suchas a social media username. As discussed further herein, a digitaldisplay entity may be enabled to provide offers from offer providers tousers of the online content, wherein the online offer is preapproved forprovision to users based on regulated user data that is not accessibleto the digital display entity.

A user device (also referred to herein as a “user device”) generallyincludes any device of a user, such as an electronic device throughwhich an offer from an offer provider may be displayed (e.g., viasoftware and/or a site of a digital display entity). User devices mayinclude, for example, desktop computer workstation, a smart phone suchas an Apple iPhone or an Android phone, a computer laptop, a tablet suchas an iPad, Kindle, or Android tablet, a video game console, otherhandheld computing devices, smart watch, another wearable device, etc. Auser device may include the same or similar components to thosediscussed below with reference to the digital targeting system.

Regulated user data generally includes information regarding users thatis stored by an entity (e.g., a pre-validation entity) and is subject toexternal regulations (such as set by a government agency) that restricthow the user information may be used (e.g., accessed, updated, shared,etc.) outside of the storing entity. Regulated user data generally isuseful in validating users to receive offers for certain goods orservices, but may include sensitive user data that should be protectedto a greater degree than publicly available user information. Thus, insome embodiments, dissemination, sharing, and/or any other access toregulated user data may be controlled closely by the storing entity inorder to reduce risks associated with improper use of the regulateddata, such as any sharing of regulated user data that violates therelevant regulations. Accordingly, while regulated user data may beoptimal for determining certain characteristics or propensities ofusers, such as determining risks associated with issuing a creditaccount to users, sharing of regulated user data with offer providers,digital display entities, and/or others that might be involved inrelated marketing or communications to the user may be limited toinclude only the minimum required regulated user data or no regulateduser data.

In one embodiment, regulated user data is credit data that is regulatedby the Fair Credit Reporting Act (FCRA), which restricts use of thecredit data, such as by limiting how credit data of users may be sharedwith marketing entities. Thus, in some embodiments the pre-validationentity is a credit bureau, a business unit of a credit bureau thatmaintains the credit data and enforces the FCRA access regulations,and/or another entity that is authorized to access the credit data.Accordingly, in such an embodiment, the pre-validation entity may limitthe use or sharing of user credit data in order to reduce risk ofdisclosure or other use of the credit data outside of FCRA regulations,whether intentionally, inadvertently, or fraudulently. Regulated userdata may include various regulated user attributes, such as informationregarding lines of credit, debt, bankruptcy indicators, judgments,suits, liens, wages, collection items, mortgage loans, other loans,retail accounts, checking/savings/transaction data, late or missedpayment data, other credit attributes, and/or derivatives/scores/ratingsbased on at least the credit information.

Personally identifiable information (also referred to herein as “PII”)includes any information regarding a user that alone does not uniquelyidentify a particular user to third parties. For example, IDs of a userthat are used to identify a user within a particular database (e.g., auser ID of the targeting database), but that are not usable by thirdparties (e.g., entities other than the targeting entity and its partnersand affiliates) to uniquely identify the user (e.g., the digital displayentity cannot uniquely identify the name of the user based on only theuser ID) may not be considered PII. However, in some embodiments evenuser IDs that would be very difficult to associate with particular usersmight be considered PII, such as if the IDs are unique to correspondingusers. For example, Facebook's digital IDs of users may be consideredPII to Facebook and to third parties. Depending on the embodiment, andon the combination of user data that might be provided to a third party,PII may include first and/or last name, middle name, address, emailaddress, social security number, IP address, passport number, vehicleregistration plate number, credit card numbers, date of birth, telephonenumber for home/work/mobile.

Example System Architecture

FIG. 1 is a block diagram illustrating one embodiment of a digitaltargeting system 100. In this example, the digital targeting system 100includes a pre-validation system 110 that implements certain systems andmethods discussed herein, such as pulling credit files for users,accessing pre-validation criteria, and determining if a user's creditdata meets the criteria for any of the products or services of offerproviders (e.g., based on the associated pre-validation criteria). Inother embodiments, the functionality provided for by the components andmodules of the pre-validation system 110 may be combined into fewercomponents and modules or further separated into additional componentsand modules. In other embodiments, any of these functions may beperformed by other computing systems also controlled by the targetingentity and/or controlled by another entity.

In one embodiment, the pre-validation system 110 is configured tointerface with multiple devices and/or data sources. The pre-validationsystem 110 may be used to implement systems and methods describedherein. For example, the pre-validation system 110 may be configured toreceive pre-validation criteria from one or more offer provider entities120 and/or other entities that may provide and/or selecting criteria forscreening, filtering, or otherwise selecting users to be provided with atargeted offer. Depending on the embodiment, the pre-validation system110 may store the pre-validation criteria that is received from an offerprovider and/or generate the pre-validation criteria itself (such asbased on general indications of criteria provided by the offerprovider).

In embodiments where pre-validation criteria are based on creditdata—data regulated by the Fair Credit Reporting Act (FCRA) that ismaintained by one or more credit bureaus, such as Experian®,TransUnion®, and/or Equifax®, the pre-validation system 110 may accessand/or receive credit data directly from one or more credit bureausand/or from a number of data sources 170, such as agents or resellers ofthe credit bureaus (which may append non-credit information to creditinformation) that are also subject to FCRA data use regulations. Thepre-validation system 110 may receive user information from a targetingsystem 130 and/or any other entity that may provide user information toidentify a user and match the user with credit data, and/or receive userinformation from any other source, such as directly from the user. Thepre-validation system 110 may generate a list of pre-validated usersthat have met the pre-validation criteria. The list may include allinformation about the user or any subset of information, which mayinclude regulated and/or non-regulated user data.

According to FIG. 1, information may be provided to and from thepre-validation system 110 over the network 160 from one or more datasources including, for example, the offer provider entity 120, the datasources 170, the targeting system 130, the digital display entity 140(or digital partners), and the email entity 150. In addition to thedevices that are illustrated in FIG. 1, the network 160 may communicatewith other data sources or other computing devices. In addition, thedata sources may include one or more internal and/or external datasources.

The various entities illustrated in FIG. 1 may be in directcommunication with the pre-validation system 110 or may be incommunication with the pre-validation system 110 via the network 160,which may include any combination of networks, such as local area, widearea, Internet, etc., by way of a wired and/or wireless networkcommunication connection. In this example, the pre-validation system 110is in communication with a network 160 and various systems are also incommunication with the network 160. The network 160 allows computingdevices to send (i.e. transmit) and receive electronic transmissions.

In some embodiments, the system includes a targeting system 130. Thetargeting system 130 may comprise a targeting database with targetingrecords associated with respective users. In one embodiment, thetargeting system 130 receive a pre-validated user list from thepre-validation system 110. The targeting system 130 may also receivedigital IDs from one or more digital display entities 140. The targetingsystem 130 may correlate the pre-validated user list with the list ofdigital IDs. The targeting system 130 may then transmit the correlateddigital IDs to digital display entities 140 for use in identifying usersof the digital display entity that are pre-validated to receive an offerfrom the offer provider. In some embodiments, the targeting system 130may transmit digital IDs with other information associated with theuser, such as a subset of user information from the targeting database.For example, the targeting system 130 may transmit the digital IDs,information from the received pre-validated user list, and/or otherinformation received, stored, or accessible about the user. The digitaldisplay entities may use various advertising channels (e.g., ads placeddirectly in online content provided by the digital display entity to thepre-validated users, email sent to pre-validated users, or even physicalmail or other messages transmitted to pre-validated users) to deploy theadvertisement campaign for the offer provider.

While the discussion herein describes certain functions that areperformed by certain components or entities, such discussions areillustrative of entities and components that may perform such functions.For example, discussion herein of any structure (e.g., CentralProcessing Unit or “CPU”, memory, etc.) of the pre-validation system110, or operations performed by the pre-validation system 110 may beequally applied to the targeting system 130, and vice versa.Furthermore, other entities may also perform all or some of theprocesses discussed with reference to the modules of the pre-validationsystem 110 and/or the targeting system 130.

Example Pre-Validation Method

FIG. 2 is a flowchart illustrating one embodiment of a method ofpre-screening users based on credit data pre-validation criteria. In theexample of FIG. 2, processes that may be performed by each of apre-validation system, a targeting system, and/or a digital displayentity, are illustrated. However, in other embodiments the processes andfunctions of the illustrative method may be performed by other entitiesand/or combinations of entities. For example, in one embodiment theillustrated processes 202-214 may all be performed by a single entity,such as a pre-validation system. Depending on the embodiment, the methodof FIG. 2 may include fewer or additional blocks and the blocks may beperformed in an order that is different than illustrated.

The illustrative method begins at block 202 with the pre-validationsystem receiving user data, such as a marketing database that isreceived from the targeting entity and includes a large quantity (e.g.,hundreds of thousands or millions) of user profiles each including userdata attributes indicating user personal information, such as name,address, age, gender, interests, etc. Each of the user profiles isassociated with a user ID, which may be included with the user data fromthe targeting entity or may be generated by the pre-validation system.The user data may be received using a push or pull model. The user dataregarding a given individual may be gradually received over time, or maybe received in a short period of time in a batch process. In otherembodiments, the user data may be accessed by the pre-validation system110 from a user data source 170. In one embodiment, various portions ofthe user data may be used to match user profiles with credit data of thecorresponding users. For example, FCRA regulated credit records may beassociated with respective user data profiles accessed from anotherentity (e.g., another non-FCRA regulated database, such as a marketingdatabase).

In some embodiments, the pre-validation system 110 correlates userprofiles with credit data of users based on overlapping information inuser profiles (e.g., from a non-FCRA regulated database) and creditprofiles (e.g., from an FCRA regulated database). Thus, a user IDassociated with a particular user in the user data may be correlatedwith the particular user's credit data, including a credit ID of theuser. For example, personal information (e.g., name, address, etc.),prior credit data, and/or prior correlations may be used for thiscorrelation process. As discussed further below, this correlation isperformed in order to allow targeting IDs of users having credit datamatching pre-validation criteria to be transmitted to the targetingentity and/or other entities without transmitting any of the originalregulated user data, thus limiting dissemination and exposure of thatregulated user data to uses that might violate FCRA restrictions.Depending on the embodiment, correlation of user data with credit datamay be simplified or skipped if prior correlation was performed. Forexample, if a clearly accurate correlation was previously performed,then a latter correlation may not be needed, or may only require areduced quantity of matching attributes in the marketing and creditdata.

Continuing to block 204, the pre-validation system 110 accessespre-validation criteria, which may be received from the offer providerentity 120. The pre-validation system 110 may receive the pre-validationcriteria periodically or upon request, such as by using a push or pullmodel. In other embodiments, the criteria may be generated by thepre-validation system 110. For example, the pre-validation system 110may generate the criteria based on information the pre-validation system110 receives from the offer provider, such as the type of services andproducts they offer, research on users and different credit types,market and economic research, and the like.

At block 206, the pre-validation system 110 applies the pre-validationcriteria to user credit data of those users included in the receiveduser profiles (e.g., of the targeting database). For example, thepre-validation system 110 may be configured require each pre-validationcriterion to be met by a particular user's credit data (or any otherdata associated with the user) for that user to be pre-validated for aparticular offer associated with those pre-validation criteria. In someembodiments, the offer provider can indicate a subset and/or minimumquantity of pre-validation criteria that must be met in order for a userto be pre-validated (e.g., at least two of six total pre-validationcriteria).

In some embodiments, the pre-validation system 110 may use an algorithmto determine how the criteria are applied. For example, criteria may beweighted (e.g., a credit score criteria may be weighted much higher thanan average age of active credit accounts) and the user scored using theweightings in order to determine which are pre-validated. In such anembodiment, a user score may be based on numerical representations ofvarious attributes (e.g., credit attributes) multiplied by thecorresponding weighting factor. Depending on the embodiment, othercredit and/or non-credit attributes (e.g., marketing attributes of theuser from the targeting system) may be used either before and/or afterthe pre-validation process in order to filter, segment, categorize,and/or otherwise adjust the users on which the prescreening is performedand/or that are included on the pre-validated user list.

In some embodiments, the pre-validation system 110 accesses informationregarding previously pre-validated users in conjunction with offerfulfillment information, such as how many of those pre-validated usersactually purchased the offered product (or were issued a credit card) orvarious attributes regarding the value of the credit card account to thecredit card issuer (e.g., interest paid, timeliness of monthly payments,maximum balance, utilization, etc.) to adjust pre-validation criteriaand/or weightings. Thus, the pre-validation system 110 may use machinelearning techniques in some embodiments to optimize pre-validationcriteria so that the goals of the offer provider (e.g., profitabilityattributable to the provision of the offers) are better met.

Moving to block 208, the pre-validation system 110 creates a list ofpre-validated users indicating those users matching the pre-validationcriteria. In some embodiments, an indicator of pre-validation may beassociated with (and/or appended to) the credit data (stored by thepre-validation entity) or the user data (stored by the targetingentity). For example, indicators of whether a user has metpre-validation criteria for each of a plurality of offer providers (oreven multiple offers of a single offer provider) may be associated withcorresponding regulated user records and/or targeting records, alongwith the date the pre-validation was performed in some embodiments.

The pre-validation system 110 then transmits (or otherwise makesaccessible) the list of pre-validated user IDs (e.g., user IDs from themarketing database that are used by the marketing entity to uniquelyidentify users) to the targeting system 130. Advantageously, in thisexample the list of user IDs does not include any of the original FCRAregulated credit data that is subject to the third-party regulations(e.g., the user's credit data from one or more credit bureaus) and canbe used by the targeting system to identify users of an online serviceprovided by a digital display entity. In some embodiments, rather than alist of only those pre-validated user IDs, the pre-validation system 110may transmit a full list of all user IDs with a flag indicating usersthat are pre-validated and/or not pre-validated, or other indicators ofthe pre-validated users.

Depending on the embodiment, the pre-validated user ID list may includehundreds, thousands, or more users that have met the offer criteria(e.g., the pre-validation criteria) of thousands or millions of userrecords in the credit database and/or marketing database.

In some embodiments, the pre-validation process is performed only for asubset of users that are provided by the offer provider, which mayinclude identifiers of particular users or initial criteria that may beused to quickly filter large groups of users from requiring applicationof the pre-validation criteria (e.g., perform pre-validation only onusers with a residence in California).

At block 210, the targeting system 130 receives digital display userdata, such as a digital entity database including digital records foreach of a plurality of users of one or more online services (e.g.,social media sites) of the digital display entity. The targeting system130 may correlate the digital IDs in the digital entity database withuser IDs of corresponding users, such as based on comparison ofattributes of users within the digital entity database and targetingdatabase. Correlation of user records within these databases may beperformed in the same or similar manner as discussed above withreference to block 202, and in some embodiments confidence levels foreach possible match of user records within the databases may begenerated, with a minimum confidence level being set by the targetingentity, pre-validation entity, offer provider, and/or digital displayentity. In some embodiments, the digital entity database that isprovided to the targeting system 130 includes only a subset of digitaluser attributes maintained by the digital display entity, such as asubset of attributes that are needed to identify matches within thetargeting database with at least a predetermined confidence level.

The digital entity database may be received by the targeting entityperiodically from the digital display system, such as nightly, weekly,monthly, etc., and/or may be provided on-demand, such as when an updatedlist of pre-validated users is generated by the targeting system for anew offer (e.g., from an existing offer provider or a new offerprovider). In some embodiments, the targeting system 130 generatesdigital IDs for the digital user records, which may then be provided tothe digital display system for future reference to the users.

In some embodiments, the targeting system 130 transmits the user IDs ofonly the pre-validated users, without any other regulated ornon-regulated user data of those pre-validated users. In otherembodiments, other indicators of the pre-validated users are transmittedto the digital display entity, such as index numbers of thepre-validated users in the targeting database or the digital entitydatabase. In some embodiments, the targeting system 130 may alsotransmit at least a subset of regulated or non-regulated user attributesto the digital display entity 140, such as to allow the digital displayentity to further customize the offer (e.g., to determine a particularcredit card of an issuer that should be offered) or other contentprovided to the user, or to allow the digital display entity tocorrelate users in the targeting database with those in the digitalentity database.

At block 212, the targeting system 130 identifies digital IDs associatedwith user IDs in the pre-validated user list, which are, for example,the users of an online service of the digital display system havingcredit data matching pre-validated criteria of an offer provider. Anindication of those digital IDs associated with a pre-validated user maybe provided in various forms to the digital display system, such as byappend a pre-validation flag to corresponding digital entity records orgenerating a list of digital IDs (and possibly one or more other userattributes) of pre-validated users. The target entity 130 may thentransmit (or otherwise make available) the list of digital IDs to thedigital display entity 140, which may then deploy an advertisementcampaign to those users identified in the listed digital IDs.

Moving to block 214, the digital display entity 140 provides one or moreonline services to users and, in particular, to users within the digitaldisplay entities database. As a provider of content to users, thedigital display entity 140 is operable to provide product and serviceoffers of various offer providers to users of its online service(s),such as in banner ads, pop-up ads, inline ads, etc. For example, a useraccessing a social media site of a digital display entity may viewadvertisements on their mobile device (e.g., smart phone or tablet) oranother user device.

Advantages of some of the embodiments include an unconventional methodand non-generic system of matching a list of pre-validated users(selected based on credit information of the users) with a list ofdigital content provider identifiers for digital communication of a firmoffer of credit (or advertisement for a firm offer of credit). Oneadvantage is that cookies are not required to include or excludeconsumers from audiences with the intent of communicating a firm offerof credit, although cookies might be useful in other aspects. Forexample, cookies may be used by a digital display entity to identify auser (e.g., via persistent login data stored in a local cookie). In someembodiments discussed herein, certain of these benefits are realized dueto higher accuracy of identifying a particular user within a digitalentity database, as compared to cookie based targeting. Advantageously,certain embodiments optimize matching of a list of pre-validated usersacross a diverse set of digital display channels, digital displayentities, and digital user identifiers. For example, the systems andmethods discussed herein would allow firm offers of credit to beprovided directly to mobile devices or addressable televisions ofpre-qualified users (e.g., based on identification of the user in thedigital entity database of the mobile device or television serviceprovider), which may have limited or no cookie functionality and are notable to uniquely identify the users. Thus, because cookies are typicallyprobabilistic (e.g., don't indicate a particular user with certainty,and typically identify only categories of probable characteristicsassociate with a user or users of a particular device) and offering of afirm offer of credit requires a deterministic identification of aqualified user, use of cookies in identifying users for prequalifiedoffers of credit are limited. Additionally, cookies may be disabled ormade inaccessible by settings on a computing device, such as browsersettings that block cookies, one device may have multiple cookies, oneuser may have different cookies across multiple devices, and other knowndisadvantages of relying on cookies, thus even further decreasing valueof cookies in deterministically identifying a user for a firm offer ofcredit.

Example Data Flow Diagram

FIG. 3 provides an illustrative data flow example for providing targetedoffers for credit to online users using user credit-related information,but without the need to use cookies, according to one embodiment. FIG. 4provides an illustrative data flow example for providing targeted offersfor credit to online users using credit-related information, but withoutthe need to use cookies, using examples of data tables that may betransmitted and received between entities, according to one embodiment.Depending on the embodiment, the process illustrated by interactions(1)-(5) and (A) & (B) of FIG. 3 or 4 may include fewer or additionalinteractions and/or the interactions may be performed in an orderdifferent than is illustrated. FIGS. 3 and 4 is also a block diagramwhich illustrates the exemplary process and data flow between one ormore offer provider entities 120, a pre-validation system 110, atargeting system 130, one or more email entities 150, and one or moredigital display entities 140, according to one embodiment, such as thesystem illustrated and described with respect to FIGS. 3 and 4 herein.

At interaction (1) of FIG. 3, one or more offer provider entities 120may send or submit offer criteria to the pre-validation system 110. Thismay be initiated by a third party (such as a bank, retailer, website,offer provider, lead aggregator, or the like) that sends apre-validation request to the pre-validation system 110 (such as acredit bureau and/or other entity having access to user credit data)requesting a pre-approved list of users for products and services. Thismay also be initiated by a periodic pre-validating service offered bythe pre-validation system 110 to third parties, that may initiate suchmethods periodically. In some embodiments, entities other than offerprovider entities 120 may send or submit criteria that will be used tocreate a pre-validated list of users. The pre-validation system 110 mayreceive offer criteria from all or select offer provider entities 120 incommunication with the pre-validation system 110, so that thepre-validation system 110 may compare the offer criteria withinformation on the user in order to determine a pre-validation list ofusers to target. In some embodiments, entities other than thepre-validation system 110 may receive offer criteria for the purposes ofgenerating a pre-validation list of users, or for sending the criteriafor the purposes of fulfilling the generation of a pre-validated list ofusers.

For example, as shown in interaction (1) of FIG. 4, the offer providerentity 120 provides three offer criteria to the pre-validation system110. The three criteria in this example include criteria that matchusers that have not had a bankruptcy, have a risk score of over 650, anda confidence level over 50. Any other criteria may be used to prescreenusers, such as how much is owed on different types of credit, how longthe user has been using the credit, the number of late payments, linesof new credit opened, types of credit used, positive information on theline of credit, own or rent a house and/or car, rent or mortgagepayments, total debt, and the like. In one embodiment, such as anembodiment where the offer is a firm offer of credit, the prescreencriteria are limited to application on credit data of the regulated userdata. In other embodiments, the pre-validation criteria may considerother user data, such as user data from multiple databases, whereregulated or unregulated.

The confidence level in this example indicates a likelihood that theperson associated with the user ID (from the targeting database) is theperson associated with the credit data (from the credit database). Forexample, a confidence level of 100 may indicate that the match iscertain, while lower confidence levels indicate increasingly lower levelof certainty that the appropriate user in the targeting database islinked to the credit data. Other types of confidence levels may be used,such as weighting factors, prioritizing types of information to check,having algorithmic determinations, using prior correlations, andchecking the user's history. Different offer providers and/or digitaldisplay entities may have varying confidence levels required forincluding otherwise pre-validated users on a target file of users towhich a credit offer is provided.

In some embodiments, the pre-validation system 110 may obtaininformation from the offer provider entity 120 that describes the idealuser (for receiving an offer from the offer provider). Thepre-validation system 110 may then derive the particular offer criteriafrom that more qualitative information provided by the offer providerentity 120. The offer criteria may be sent upon request, or periodically(for example, once a month, once a week, or once a year). In someembodiments, the pre-validation system 110 may access a data store toobtain the offer criteria. In some embodiments, the pre-validationsystem 110 may access a data store of this offer criteria and may notneed to receive offer criteria from an offer provider entity 120.

In some embodiments, the offer provider 120 may provide direct access ofthe offer criteria to the pre-validation system 110. For example, theoffer provider 120 may employ an application programming interface(“API”), widget, or other user interface, that a pre-validation systemcan use to obtain this information.

If the offer provider 120 has authorized a particular pre-validationsystem to access the offer criteria, the offer provider 120 may acceptan API call from the pre-validation system 110 and respond to the APIcall accordingly. As one example, the API may enable the pre-validationsystem 110 to request specific offer criteria or all offer criteriaassociated with a particular offer provider, a particular offer, and/ora particular digital advertiser. In this case, the offer provider entity120 may respond to an appropriate API call received from thepre-validation system by sending offer criteria associated with someservices and/or products to the pre-validation system 110 via aresponsive API method. In other embodiments, the pre-validation system110 application or service may provide additional information to theoffer provider. For example, a pre-validation system 110 may desireoffer criteria for a particular product/service. In some embodiments,the offer criteria may be sent and received by using either a push orpull model.

At interaction (A) of FIG. 4, the targeting system 130 transmits theuser information to the pre-validation system 110. The example showsname and address as the personal information transmitted. However, it isappreciated that other types of personal information may also betransmitted. Personal identifiable information and sensitive personalinformation may be transmitted. Some examples of personal informationinclude: education, email address, phone number, salary, work phonenumber, job title, work place, professional licenses and degrees, andthe like. In other embodiments, this personal information does not haveto be transmitted to the pre-validation system 110 and may already bestored in a data store that the pre-validation system 110 has access to.In some embodiments, the pre-validated entity correlates the user IDwith the credit information without the need of personal information,and thus, interaction (A) may not be needed. In other embodiments, otherentities may send the user personal information to the pre-validationsystem 110. The user personal information may be sent periodically (forexample, once a month, once a week, or once a year) or upon request. Theuser personal information may be used by the pre-validation system 110to correlate user IDs with credit data and user personal information.The user information may be transmitted and received in ways describedabove for interaction (1).

At interaction (2) of FIG. 3, the pre-validation system 110 may accessuser data and correlate user IDs with credit data of respective users.The pre-validation system 110 may access user personal information dataand user credit data from a user data sources 170, such as the userdatabase and the user credit database, and/or pre-validation system 110may receive this user data from a different entity. The user databasemay include the user personal information. The pre-validation system 110may correlate the user IDs with the credit IDs and associated creditdata using the personal information. For example, the pre-validationsystem 110 may correlate the user IDs with the name and address of theuser, and the credit data. The pre-validation system 110 may apply theoffer criteria to the list of users. For example, at interaction (2) ofFIG. 4, the user IDs are correlated with the bankruptcy data and riskscores associated with the users. In this example, the first offercriterion is to select users that have not filed for bankruptcy. User IDABC124 is correlated with a bankruptcy. The second offer criterion is toselect users with a risk score above 650. User ID DEF123 has a riskscore of 450. Thus, these two users do not meet the offer criteria andare not included in the pre-validated user ID list. Furthermore, aconfidence level may also be checked. This confidence level may be thedetermination of how likely the person associated with the user ID is infact the person associated with the credit data. For example, atinteraction (2) of FIG. 4, User ID ABC124 has a confidence level that isless than 50 and does not meet the offer criteria. Other ways ofcorrelating the user IDs and the credit information is appreciated. Forexample, a confidence factor may be determined based on how closely thepersonal information is matched. In some embodiments, User IDs may beappended to the credit ID list, or vice versa. One advantage of someembodiments may be that a prior correlation of User ID and Credit ID mayeliminate the need to correlate the IDs at a later time, or may changethe way that the correlation is performed.

The User ID may already be appended to the user information. In otherembodiments, the user ID may be generated and appended after correlatingthe user information with the user credit data. In some embodiments, theuser ID may be created only if the user information is correlated withthe credit data. In some embodiments, the pre-validation system 110 mayuse a company's identifier as the user ID and associated userinformation. For example, Experian's ConsumerView database givesentities the ability to leverage predictive insight to better understandand anticipate evolving user behaviors and channel preferences. As thelargest and most comprehensive resource for both list services and dataenhancement available today—including data on more than 200 millionusers and 100 million households—ConsumerView offers core user dataassets overlaid with behavioral and retail purchasing data. Thiscombination results in the deepest and most granular insight into users,which may be used when determining a pre-validated user ID list.

At interaction (3) of FIG. 3, the pre-validation system 110 maytransmit, send, or submit the pre-validated user ID list to thetargeting system 130. In some embodiments, the pre-validation system 110and the targeting system 130 is a single entity, and thus, interaction(3) is not needed. In other embodiments, the steps performed by thepre-validation system 110 and the targeting system 130 may be performedby other entities. The pre-validated user ID list may be transmitted toother entities. The pre-validated user ID list may be transmitted withother information, such as credit data or personal information. In someembodiments, the pre-validation system 110 may transmit a list ofpre-validated user IDs without other information. One advantage of thisembodiment is that it would allow for better security from informationtheft by just sending user IDs without personal or credit information.Furthermore, sending the user IDs may improve throughput by reducing theamount of data sent from one entity to another and reducing the amountof encryption/decryption that has to be done by the entities.Furthermore, the list of pre-validated IDs may be limited to user IDs,rather than including any of the original credit data of the user. Thus,the transmission from the pre-validation system 110 to the targetingsystem 130 creates less exposure of sensitive information (e.g., creditdata of the user) for information breaches.

User information may be stored in a database which can be vulnerable tocyber-attacks for sensitive information. Thus, in some embodiments thetargeting system deletes the user ID list after a specific time frame orafter particular actions have been taken, such as after transmitting thecorresponding digital IDs to one or more digital display entities. Thepre-validated user ID list may be transmitted and received in waysdescribed above in interaction (A). For example, at interaction (3) ofFIG. 4, the user IDs ABC123 and XYZ321 are sent from the pre-validationsystem 110 to the targeting system 130.

At interaction (B) of FIG. 4, the digital display entity 140 transmits adigital ID and some user personal information to the targeting system130. The example shows name and address as the personal informationtransmitted. However, it is appreciated that other types of personalinformation may also be transmitted, as described above. In otherembodiments, this personal information does not have to be transmittedto the targeting system 130 and may already be stored in a data storethat the pre-validation system 110 has access to. In some embodiments,personal information does not have to be transmitted to the targetingsystem 130 because the targeting system 130 correlates the pre-validateduser ID with the digital ID in other ways than using personalinformation. In other embodiments, other entities may send the userpersonal information to the targeting system 130. The user personalinformation may be sent periodically (for example, once a month, once aweek, or once a year) or upon request. The user personal information maybe used by the targeting system 130 to correlate pre-validated user IDswith the digital IDs. The user information may be transmitted andreceived in ways described above for interaction (1).

At interaction (4) of FIG. 3, the targeting system 130 may access userpersonal information data and correlate user IDs with digital IDs ofrespective users. The targeting system 130 may access user personalinformation data from a user data store, and/or the targeting system 130may receive this user data from a different entity. The user databasemay include the user personal information. For example, the targetingsystem 130 may correlate the user IDs with the digital IDs using thename and address of the users. The targeting system 130 may send a listof digital IDs without having to send personal, sensitive, confidential,privileged, credit, and/or other important information. For example, atinteraction (4) of FIG. 4, the user IDs ABC123 and XYZ321 are correlatedwith the digital IDs SM5555555 and SM4444444 based on the name andaddress of the users. However, it is appreciated that the digital IDsmay be linked to the pre-validated user IDs using other types ofinformation. It is also appreciated that the correlation performed atinteraction (4) may happen periodically with any list of user IDs, orupon a specific circumstance that requests that the correlation beperformed on a specific list of user IDs, such as the list ofpre-validated user IDs. In some embodiments, the pre-validation system110 may require that users meet all pre-validation criteria to be addedto the pre-validation list. However, it is appreciated that thepre-validation system 110 may select from a subset of criteria, mayweigh and/or prioritize the criteria, may request a selection of thecertain criteria, and/or the like. In some embodiments, digital IDs maybe appended to the pre-validated user ID list, or vice versa. Asdescribed in interaction (2) of FIGS. 3 and 4 above, the correlation atinteraction (4) as described here may also contain a confidence level todetermine the likelihood that the user ID is matched correctly with thedigital ID.

At interaction (4) of FIG. 3, the targeting system 130 may correlateuser IDs with email flags of respective users. For example, thetargeting system 130 may correlate the user IDs with email flags usingthe name and address of the users. The targeting system 130 may send theemail flags to the email entity 150. For example, at interaction (4) ofFIG. 4, the user IDs ABC123 and XYZ321 are correlated with email flagsJohn.Doe@email.com and Msmith123@addy.com. Other information may be usedto make the correlation, and create a confidence level, as describedabove. The email flag may include the entire email strand, may simply bea flag indicating the availability of an email, or the like. Uponreceipt of the list indicating the users with associated emails, theemail entity may then deploy an email advertisement campaign to the userbased on the email flag.

At interaction (5) of FIG. 3, the targeting system 130 may transmit,send, or submit the digital ID list to a digital display entity 140 oran email entity 150. In some embodiments, the targeting system 130 maytransmit other information that may be used to represent the users onthe digital ID list. For example, the targeting system 130 may sendemail address, name, and/or any other identifier associated with thepre-validated user that may be used by the digital display entity toidentify the users. In some embodiments, the targeting system 130 andthe digital display entity 140 and/or email entity 150 are a singleentity, and thus, interaction (5) is not needed. In other embodiments,the steps performed by the targeting system 130 and the digital displayentity 140 or the email entity 150 may be performed by other entities.The pre-validated user ID list may be separated into sub-lists to besent to various digital display entities 140 and email entities 150. Forinstance, the digital display entity may only receive a list of digitalIDs that could have been matched to the personal information sent ininteraction (B). The digital ID list may be transmitted with otherinformation, such as credit data or personal information. In someembodiments, the targeting system 130 may transmit a list of digital IDswithout other information. The digital ID list may be transmitted andreceived in ways described above in interaction (A). For example, atinteraction (5) of FIG. 4, the digital IDs SM5555555 and SM4444444 aresent from the targeting system 130 to the digital display entity 140,the digital IDs that met the offer criteria sent by the offer providerentity 120 and with a digital ID. Similar advantages as applied tointeraction (3) may apply to interaction (5).

Digital display entities 140 may have their own particular digital IDsfor their users. For example, Twitter, Instagram, Vimeo, Skype, YouTube,Facebook, Yahoo, Google, Pinterest, LinkedIn, Flickr, and the like mayeach have their own set of digital IDs to identify each of their users,such that a particular user may have different digital IDs for each ofthese digital display entities. The targeting system 130 may correlatethe digital IDs for each of the digital display entities 140 to the userIDs. Then, the targeting system 130 may send each digital display entity140 a list of digital IDs that are associated with their internaldigital ID format and that are correlated with pre-validated users thathave met the offer criteria. Thus, the pre-validation system 110 and thetargeting system 130 can share information with the digital displayentities 140 by sharing IDs that are not PII and/or are not easilytranslated to other sensitive information, such as name, address, email,job position, etc.

The digital display entity 140 may deploy an advertisement campaign forthe user associated with the digital ID. For example, the digitaldisplay entity 140 may deploy an advertisement when the user's accountassociated with the digital ID is currently online. The email entity 150may deploy offers via email to the provided email addresses of the usersassociated with the pre-validated user ID list. For example, digitaldisplay entities 140 such as Yahoo, AOL, Microsoft, Google, Facebook,may serve multiple advertisements all for the same offer provider entity120. Digital display entities 140 may transfer data using an approvedsecure method, for example, to be reviewed by an Info Security BISO(business information security officer). The digital display entity 140may deploy a pre-validated offer or a firm offer of credit to the user.The type of offer presented may be based on the type of authenticationthat has been performed when identifying the pre-validated user and/orthat will be performed after the user selects the advertisementcampaign.

Example Flowchart of an Advertisement Campaign

FIG. 5 provides an illustrative flow diagram of an advertisementcampaign, according to one embodiment. While the illustrative method isdescribed below with respect to a digital display entity 140, it will beappreciated that in other embodiments the illustrative method may beperformed by other entities, system, devices or combinations ofentities, systems, and/or devices. Depending on the embodiment, themethod of FIG. 5 may include fewer or additional blocks and/or theblocks may be performed in an order that is different than illustrated.

The illustrative method begins at block 502 where the digital displayentity 140 receives the digital IDs corresponding to pre-validated usersfor the purposes of targeted advertisement. The digital IDs may bereceived from the targeting system 130, or other entities that may havea list of pre-validated digital IDs. The digital IDs may be provided inany manner available, such as via a shared server, folder, website,etc., digital transmission to the digital display entity, or any othermeans. The received data may include the digital IDs and may or may notinclude other data, such as personal IDs, credit IDs and credit data,user information, the type of service or product offered, and the like.The targeting system 130 may send the digital IDs at certaincircumstances, such as when it is known that the users are online.Alternatively, the digital display entities may receive the digital IDsand use them to provide the indicated advertisement or offer when theusers are accessible to the digital display entity. For example, adigital display entity my monitor access of an online service withreference to a list of pre-validated digital IDs to determine when theusers are online and deliver the advertisement or offer to them via theonline service.

At block 504, the digital display entity 140 may generate anadvertisement for the users correlated to the digital IDs. The digitaldisplay entity 140 may request content of the advertisement from theoffer provider entity 120 and/or from the pre-validation system. Thedigital display entity 140 may create the advertisement for thepre-validated users. The digital display entity 140 may create anadvertisement based on the type of user device 180 the user isassociated with. For example, if the user is associated with a userdevice 180 correlating to a mobile device, then the digital displayentity 140 may generate an advertisement that is linked to a certainapplication on the user device 180. For example, the digital displayentity may identify users that are more prone to look for mortgage loansand may deploy a loan advertisement when the user is checking theirinternet banking application. In another example, the digital displayentity 140 may identify the user's device 180 as a specific mobiledevice and may deploy an advertisement particular to the device itselfand/or on a mobile device platform. For instance, the digital displayentity 140 may identify the user device 180 as a mobile device under acertain carrier, identify the model and the operation system to generatethe appropriate advertisement, the phone number to send an instantmessage advertisement, identify the model of the phone to determinecapacity and processing speed to generate a more or less detailedadvertisement, the Bluetooth or Wi-Fi address, and/or the like. Inanother embodiment, the digital display entity 140 may deploy anadvertisement if the user device 180 is associated with a digitalwallet. The advertisement may be deployed onto a digital walletinterface. In some embodiments, the digital IDs received from thetargeting system include IDs particular to other communication channels,such those discussed above (e.g., mobile device ID).

The digital display entity 140 may use other information to determinewhen, how, and who to send offers. For example, if the digital displayentity 140 has access to the user's location, then the digital displayentity 140 may present an offer for a product if the user is 30 feet (orsome other predetermined distance) away from a store that sells theoffer provider's products. For example, for users with a good creditscore and high salary, the user may be notified of a discount sale at asports car store nearby.

At block 506, the digital display entity 140 may transmit theadvertisement to the user device 180. In other embodiments, the digitaldisplay entity 140 may enable the advertisement on the user device 180and may not have to send the actual advertisement, or may use a thirdparty to create and send the actual advertisement. The advertisement maybe a pre-validation offer where more authentication is requested or maybe a firm offer of credit. The display may show an advertisement or theactual offer.

At block 508, the digital display entity 140 receives from the userdevice 180 an indication to proceed with the advertised product orservice. This may be as a result of the user device 180 clicking on aportion of the user interface, or inputting some other command toindicate that the user wants to proceed with the product or service.Then at block 510, the digital display entity 140 requests furtherinformation to confirm via the user device 180 to authenticate theiridentity. The authentication may include a user inputting information toverify the identity of the user (e.g., one or more of a name, address,answer to secret questions, out-of-wallet security questions, etc.). Forexample, the authentication determines with a certain confidence levelthat the person communicating with the digital display entity is thesame person that was pre-validated for the offer. Thus, in someembodiments the authentication may include verification of whether theuser is included in the list of pre-validated users, such as through anelectronic communication to the pre-validation system and/or thetargeting system. In some embodiments, other and/or additional criteriamay be received, accessed, and/or analyzed in order to authenticate theuser of the user device.

In block 512, the digital display entity 140 determine whether theidentity of the user of the user device has been authenticated (as thepre-validated user). For example, if the husband of a pre-validated userwas is accessing the digital display system, the authentication shouldfail since the pre-validated user is actually the wife. Thus, thisauthentication, which may be as simple as requesting the name andaddress of the user, may reduce delivery of offers to unintendedrecipients. If the identity is authenticated, then the process willcontinue to block 514. If the identity is not authenticated, then theprocess will continue to block 516. Depending on the offer beingprovided, the authentication (e.g., blocks 508, 510, and 512) may not beneeded and the process may continue to block 514 or 516 where an offeror other marketing material is provided to the user.

If the identity is authenticated, then at block 514, the digital displayentity 140 provides an advertisement that includes a link to and/or anactual firm offer of credit (or other offer indicated by the offerprovider) to the user device 180 via the digital display channel. If theidentity is not authenticated, the digital display entity 140 maytransmit other marketing materials and/or an invitation to apply forcredit (or other offer) at block 516. For example, the user may beoffered a generic offer for the product or service. The user may beasked if he or she would like to view other products or services

For certain offers, such as firm offers of credit, where authenticationfailed, in some embodiments the user may be redirected to a site,application, or other user interface (e.g., of the offer provider) wherethey may be screened for the offer themselves and have the opportunityto receive the same or similar offer if approved. For example, user thatwish to apply for credit may consent to the pull of credit information,which may then be compared to offer criteria (which may be the same asthe pre-validation criteria), and be provided with a firm offer ofcredit if the criteria are met.

Depending on the embodiment, the offer that is provided to the user viathe digital display entity may be an advertisement for the offer and/orthe actual offer. The offer (or ad for the offer) may be generated bythe digital display entity 140 or may be received from the offerprovider 120 or the pre-validation system 110. In some embodiments, theoffer provider 120 may provide an advertisement and/or offer to thetargeting system 130 and/or the pre-validation system 110, which maythen provide the advertisement and/or offer to the digital displayentity 140.

In some embodiments, the digital display entity 140 may request theoffer (or ad for the offer) from another entity at the time the offer isdisplayed to the user via the digital display channel. For example, aframe (or other placeholder) may be included in content of the digitaldisplay entity that causes the user device to request the offer contentfrom the offer provider 120, the targeting system 130, and/or thepre-validation system 110. In such an embodiment, the digital displayentity may not have any access or insight into the actual offer or adthat was provided to its user. In some embodiments, a similar requestfor content may be transmitted by the user device to the targetingsystem (when code from the digital display entity is executed), but withthe request including an identifier of the user (e.g., the digital ID)so that the targeting entity can check for the user on the pre-validateduser list and provide the appropriate offer (or ad for an offer) if theuser has been pre-validated, while providing some other content if theuser isn't on the pre-validated list. This might further remove thedigital display entity from access to the pre-validation identifierssince the digital display entity may not need to receive any list ofusers or identifiers, and thereby further improving security ofsensitive and/or regulated user information.

Example Method of Authenticating the User

FIG. 6 provides an illustrative flow diagram of an offer qualificationprocess that may be performed if the user in communication with thedigital display entity is not authenticated. While the illustrativemethod is described below with respect to a digital display entity 140,it will be appreciated that in other embodiments the blocks of theillustrative method may be performed by other entities. Depending on theembodiment, the method of FIG. 6 may include fewer or additional blocksand the blocks may be performed in an order that is different thanillustrated.

Beginning it block 602, the digital display entity 140 determineswhether the user of the user device has been authenticated, such as viaany of the one or more authentication procedures discussed above withreference to blocks 508-512 of FIG. 5. As discussed above, theauthentication procedures may be performed by various entities, such asthe offer provider, the pre-validation entity, the targeting entity,and/or a third-party authentication service. If the user isauthenticated at block 602, an offer (e.g., a firm offer of credit oradvertisement that leads to a firm offer of credit) may be transmittedto the pre-validated user at block 604 via the digital display channel.

At block 602, if the user is not authenticated, the user may berequested to provide consent to pull his or her credit data so that anindependent qualification process (e.g., based on the same or similarcriteria as the pre-validation criteria) may be performed on the user.At block 608, if the user's credit data matches the qualificationcriteria, then the user is provided with the same offer (or ad for anoffer) that is provided to pre-validated users at block 604. Otherwise,If the user's credit data does not match the qualification criteria,then the user may receive other marketing materials and/or an invitationto apply for one or more lines of credit.

Example System Implementation and Architecture

FIG. 7 is a block diagram showing example components of a pre-validationsystem 110, according to an embodiment, which represents examplecomponents and functions of any of the systems, devices, and/or entitiesdiscussed herein. The various software used to execute the functionsdiscussed herein, which may be referred to as “modules” 706, may belocated on the pre-validation system 110 and/or server device dependingon the implementation. These and other modules in the pre-validationsystem 110 may include, by way of example, components, such as softwarecomponents, object-oriented software components, class components andtask components, processes, functions, attributes, procedures,subroutines, segments of program code, drivers, firmware, microcode,circuitry, data, databases, data structures, tables, arrays, andvariables. Other devices discussed herein may include any combination ofthe components, modules, functionality, etc., discussed below withreference to FIG. 7.

The pre-validation system 110 includes, for example, a personal computerthat is IBM, Macintosh, or Linux/Unix compatible or a server orworkstation. In one embodiment, the pre-validation system 110 comprisesa server, a laptop computer, a smart phone, a personal digitalassistant, a kiosk, or a media player, for example. In one embodiment,the exemplary pre-validation system 110 includes one or more centralprocessing unit (“CPU”) 708, which may each include a conventional orproprietary microprocessor. The pre-validation system 110 furtherincludes one or more memory 712, such as random access memory (“RAM”)for temporary storage of information, one or more read only memory(“ROM”) for permanent storage of information, and one or more massstorage device 702, such as a hard drive, diskette, solid state drive,or optical media storage device. Typically, the modules of thepre-validation system 110 are connected to the computer using a standardbased bus system. In different embodiments, the standard based bussystem could be implemented in Peripheral Component Interconnect(“PCI”), Microchannel, Small Computer System Interface (“SCSI”),Industrial Standard Architecture (“ISA”) and Extended ISA (“EISA”)architectures, for example. In addition, the functionality provided forin the components and modules of pre-validation system 110 may becombined into fewer components and modules or further separated intoadditional components and modules.

The pre-validation system 110 is generally controlled and coordinated byoperating system software, such as Windows XP, Windows Vista, Windows 7,Windows 8, Windows Server, Unix, Linux, SunOS, Solaris, iOS, BlackberryOS, or other compatible operating systems. In Macintosh systems, theoperating system may be any available operating system, such as MAC OSX. In other embodiments, the pre-validation system 110 may be controlledby a proprietary operating system. Conventional operating systemscontrol and schedule computer processes for execution, perform memorymanagement, provide file system, networking, I/O services, and provide auser interface, such as a graphical user interface (“GUI”), among otherthings.

The exemplary pre-validation system 110 may include one or more commonlyavailable input/output (I/O) devices and interfaces 710, such as akeyboard, mouse, touchpad, and printer. In one embodiment, the I/Odevices and interfaces 710 include one or more display devices, such asa monitor, that allows the visual presentation of data to a user. Moreparticularly, a display device provides for the presentation of GUIs,application software data, and multimedia presentations, for example.The pre-validation system 110 may also include one or more multimediadevices 704, such as speakers, video cards, graphics accelerators, andmicrophones, for example.

In the embodiment of FIG. 6, the I/O devices and interfaces 710 providea communication interface to various external devices. In the embodimentof FIG. 6, the pre-validation system 110 is electronically coupled tonetworks 160, which comprises one or more of a LAN, WAN, and/or theInternet, for example, via a wired, wireless, or combination of wiredand wireless, communication link.

User devices, as discussed in various examples herein, may comprisesoftware and/or hardware that implements a user interface module, may bean end user computing device that comprises one or more processors ableto execute programmatic instructions. In some embodiments, user devicescomprise a touch screen that allows a user to communicate input to thedevice using their finger(s) or a stylus on a display screen. Userdevices may comprise storage systems such as a hard drive or memory, orcomprise any other non-transitory data storage medium. The storagesystems may be configured to store executable instructions that may beexecuted by one or more processors to perform computerized operations onthe user device, such as accept data input from a user (e.g., on thetouch screen), and/or provide output to a user using the display. Theseexecutable instructions may be transmitted to another device forexecution or processing by the device to implement the systems andmethods described herein.

The user device may also comprise one or more user program applications,such as a mobile “app” (e.g. iPhone or Android app) that may be used tovisualize data, and initiate the sending and receiving of messages inthe loan finder system. This app may be distributed (e.g. downloaded)over the network to the user computing device directly from a creditbureau, a digital targeting system, a digital display entity, or fromvarious third parties such as an Apple iTunes or Google Play repositoryor “app store.” In some embodiments, the application may comprise a setof visual interfaces that may comprise templates to displayadvertisement information (e.g., information regarding an offer of theoffer provider). In some embodiments, as described herein, visual userinterfaces may be downloaded from another server or service. This maycomprise downloading web page or other HTTP/HTTPS data from a web serverand rendering it through the “app”. In some embodiments, no special“app” need be downloaded and the entire interface may be transmittedfrom a remote Internet server to a user device, such as transmissionfrom a web server that is a part of the digital targeting system to aniPad, and rendered within the iPad's browser.

Additional Embodiments

Although the foregoing systems and methods have been described in termsof certain embodiments, other embodiments will be apparent to those ofordinary skill in the art from the disclosure herein. Additionally, themethods and processes described herein are also not limited to anyparticular sequence, and the blocks or states relating thereto can beperformed in other sequences that are appropriate. For example,described blocks or states may be performed in an order other than thatspecifically disclosed, or multiple blocks or states may be combined ina single block or state. The example blocks or states may be performedin serial, in parallel, or in some other manner. Blocks or states may beadded to or removed from the disclosed example embodiments. The examplesystems and components described herein may be configured differentlythan described. For example, elements may be added to, removed from, orrearranged compared to the disclosed example embodiments.

Other combinations, omissions, substitutions and modifications will beapparent to the skilled artisan in view of the disclosure herein. Thevarious features and processes described above may be used independentlyof one another, or may be combined in various ways. All possiblecombinations and sub-combinations are intended to fall within the scopeof this disclosure. While some embodiments of the inventions have beendescribed, these embodiments have been presented by way of example only,and are not intended to limit the scope of the inventions. Indeed, thenovel methods and systems described herein may be embodied in a varietyof other forms without departing from the spirit thereof. Further, thedisclosure herein of any particular feature, aspect, method, property,characteristic, quality, attribute, element, or the like in connectionwith an embodiment can be used in all other embodiments set forthherein.

Conditional language such as, among others, “can,” “could,” “might” or“may,” unless specifically stated otherwise, are otherwise understoodwithin the context as used in general to convey that certain embodimentsinclude, while other embodiments do not include, certain features,elements and/or steps. Thus, such conditional language is not generallyintended to imply that features, elements and/or steps (or blocks) arein any way required for one or more embodiments or that one or moreembodiments necessarily include logic for deciding, with or without userinput or prompting, whether these features, elements and/or steps areincluded or are to be performed in any particular embodiment.

Disjunctive language such as the phrase “at least one of X, Y, or Z,”unless specifically stated otherwise, is otherwise understood with thecontext as used in general to present that an item, term, etc., may beeither X, Y, or Z, or any combination thereof (e.g., X, Y, and/or Z).Thus, such disjunctive language is not generally intended to, and shouldnot, imply that certain embodiments require at least one of X, at leastone of Y, or at least one of Z to each be present.

All of the processes described herein may be embodied in, and fullyautomated via, software code modules executed by one or more generalpurpose computers or processors. The code modules may be stored in anytype of non-transitory computer-readable medium or computer storagedevice, such as hard drives, solid state memory, optical disc, and/orthe like, or another computer storage device. Some or all the methodsmay alternatively be embodied in specialized computer hardware. Inaddition, the components referred to herein may be implemented inhardware, software, firmware or a combination thereof. The systems andmodules may also be transmitted as generated data signals (for example,as part of a carrier wave or other analog or digital propagated signal)on a variety of computer-readable transmission mediums, includingwireless-based and wired/cable-based mediums, and may take a variety offorms (for example, as part of a single or multiplexed analog signal, oras multiple discrete digital packets or frames). The processes andalgorithms may be implemented partially or wholly inapplication-specific circuitry. The results of the disclosed processesand process steps may be stored, persistently or otherwise, in any typeof non-transitory computer storage such as, for example, volatile ornon-volatile storage.

Any process descriptions, elements or blocks in the flow diagramsdescribed herein and/or depicted in the attached figures should beunderstood as potentially representing modules, segments, or portions ofcode which include one or more executable instructions for implementingspecific logical functions or elements in the process. Alternateimplementations are included within the scope of the embodimentsdescribed herein in which elements or functions may be deleted, executedout of order from that shown, or discussed, including substantiallyconcurrently or in reverse order, depending on the functionalityinvolved, as would be understood by those skilled in the art.

The term “database,” as used herein, may refer to a database (e.g.,RDBMS or SQL database), or may refer to any other data structure, suchas, for example a comma separated values (CSV), eXtendible MarkupLanguage (XML), TeXT (TXT) file, flat file, spreadsheet file, and/or anyother widely used or proprietary format. In some embodiments, one ormore of the databases or data sources may be implemented using arelational database, such as Sybase, Oracle, CodeBase and Microsoft® SQLServer as well as other types of databases such as, for example, a flatfile database, an entity-relationship database, and object-orienteddatabase, and/or a record-based database.

In general, the word module, as used herein, refers to logic embodied inhardware or firmware, or to a collection of software instructions,possibly having entry and exit points, written in a programming languagesuch as, for example, Java, Lua, C, C++, C#. Software modules may becompiled and linked into an executable program, installed in a dynamiclink library, or may be written in an interpreted programming languagesuch as, for example, BASIC, Java, Perl, or Python. It will beappreciated that software modules may be callable from other modules orfrom themselves or may be invoked in response to detected events andinterrupts, or both. The modules included in the system may be stored inthe mass storage device as executable software codes that are executedby a CPU. Modules in the system may include, by way of example,components, such as software components, object-oriented softwarecomponents, class components and task components, processes, functions,attributes, procedures, subroutines, segments of program code, drivers,firmware, microcode, circuitry, data, databases, data structures,tables, arrays, and variables. Software modules configured for executionon computing devices may be provided on a computer readable medium, suchas a compact disc, digital video disc, flash drive, magnetic disc, orany other tangible medium, or as a digital download (and may beoriginally stored in a compressed or installable format that requiresinstallation, decompression or decryption prior to execution). Suchsoftware code may be stored, partially or fully, on a memory device ofthe executing computing device, for execution by the computing device.Software instructions may be embedded in firmware, such as an EPROM. Itwill be further appreciated that hardware modules may be comprised ofconnected logic units, such as gates and flip-flops, and/or may becomprised of programmable units, such as programmable gate arrays orprocessors. The modules described herein may be preferably implementedas software modules, but may be represented in hardware or firmware.Generally, the modules described herein refer to logical modules thatmay be combined with other modules or devices into sub-modules despitetheir physical organization or storage.

It should be emphasized that many variations and modifications may bemade to the above-described embodiments, the elements of which are to beunderstood as being among other acceptable examples. All suchmodifications and variations are intended to be included herein withinthe scope of this disclosure. The foregoing description details certainembodiments of the invention. It will be appreciated, however, that nomatter how detailed the foregoing appears in text, the invention can bepracticed in many ways. As is also stated above, it should be noted thatthe use of particular terminology when describing certain features oraspects of the invention should not be taken to imply that theterminology is being re-defined herein to be restricted to including anyspecific characteristics of the features or aspects of the inventionwith which that terminology is associated. The scope of the inventionshould therefore be construed in accordance with the appended claims andany equivalents thereof.

What is claimed is:
 1. A system for displaying offers to customers of adigital display entity, the system comprising: a pre-validation systemcomprising one or more processors for executing software instructionsto: receive pre-validation criteria indicating attributes of users thatqualify them for a content item from a provider; access a regulateddatabase of regulated user records including, for each of a plurality ofusers, a user ID and a plurality of regulated user attributes, whereinaccess to the regulated user records is regulated by third-partyregulations; for each of the user IDs: determine whether the pluralityof regulated user attributes of the regulated user record meet thepre-validation criteria; if the pre-validation criteria are met,identify the user ID as pre-validated; and if the pre-validationcriteria are not met, do not identify the user ID as pre-validated;generate a pre-validated user ID list including each of thepre-validated user IDs, wherein the pre-validated user ID list does notinclude any regulated user attributes from the regulated database; andtransmit the pre-validated user ID list to a targeting system; thetargeting system comprising one or more processors for executingsoftware instructions to: receive the pre-validated user ID list fromthe pre-validation system; receive, from a third-party digital displayentity, a digital entity database indicating a plurality of digital userrecords associated with respective users of a service provided by thedigital display entity, each of the digital user records including adigital ID and personal information of the associated user, the digitalIDs assigned by the third-party digital display entity and usable touniquely identify users accessing the service provided by the digitaldisplay entity; search a targeting database for personal userinformation matching personal information of respective digital userrecords; if matching personal user information is identified in thetargeting database, add the corresponding digital ID to a digital IDlist; if matching personal user information is not identified in thetargeting database, do not add the corresponding digital ID to thedigital ID list; and wherein the digital ID list is configured to allowthe digital display entity that comprises a non-transitory computerstorage medium storing software instructions to identify respectiveusers as qualifying for the content item from the provider in responseto the users' digital IDs being included on the digital ID list and toinitiate transmission of a firm offer of goods or services to theidentified users.
 2. The system of claim 1, wherein the digital displayentity is configured to transmit the content item to qualifying users byaudio channels, visual channels, application channels, or electronicmail channels, wherein the content item comprises one of a credit cardoffer, an auto loan offer, a home mortgage offer, a personal loan offer,an insurance offer, or a service offer.
 3. The system of claim 1,wherein each digital ID includes an email address, and the digitaldisplay entity transmits the content item to qualifying digital IDs viarespective email addresses.
 4. The system of claim 1, whereinidentifying a user ID as pre-validated comprises associating a flag withthe pre-validated user ID, wherein the pre-validated user IDs in thepre-validated ID list are identifiable based on associations with theflag.
 5. A system for displaying offers to customers of a digitaldisplay entity, the system comprising: a pre-validation systemcomprising one or more processors for executing software instructionsto: receive pre-validation criteria indicating attributes of users thatqualify them for a content item from a provider; access a regulateddatabase of regulated user records including, for each of a plurality ofusers, a regulated user ID and a plurality of regulated user attributes,wherein access to the regulated user records is regulated by third-partyregulations; receive from an external targeting system that comprises anon-transitory computer readable medium storing software instructions, atargeting database comprising a plurality of targeting recordsassociated with respective users, each targeting record including a userID and associated personal user information; for respective user IDs ofthe targeting database: correlate the user ID with a regulated userrecord of the regulated database based at least on one or more matchesof personal user information associated with the user IDs andcorresponding of regulated user attributes of the regulated userrecords; determine whether the regulated user attributes of theregulated user record identified as matching the user ID of thetargeting database meet the pre-validation criteria; if thepre-validation criteria are met, identify the user ID as pre-validated;and if the pre-validation criteria are not met, do not identify the userID as pre-validated; generate a pre-validated user ID list includingeach of the pre-validated user IDs, wherein the pre-validated user IDlist does not include any regulated user attributes from the regulateddatabase; and transmit the pre-validated user ID list to the digitaldisplay entity; wherein the digital display entity comprises anon-transitory computer storage medium storing software instructions tomatch respective pre-validated user IDs to corresponding digital IDs ofthe digital display entity to generate a digital ID list configured toallow the digital display entity to identify respective users asqualifying for the content item from the provider in response to theusers' digital IDs being included on the digital ID list; a verificationsystem comprising one or more processors for executing softwareinstructions to: receive an indication that a user selected the contentitem displayed by the digital display entity; transmit, to a user deviceassociated with the user, a request for user authentication information;receive, from the user device, the user authentication information;searching the pre-validated user ID list for the user authenticationinformation; and in response to identifying the user authenticationinformation associated with a pre-validated user ID in the pre-validateduser ID list, initiating transmission of a firm offer of goods orservices to the user device; or in response to not identifying the userauthentication information associated with a pre-validated user ID inthe pre-validated user ID list, not initiating transmission of a firmoffer of goods or services to the user device.
 6. The system of claim 5,wherein the verification system and the pre-validation system areoperated by a same entity.
 7. The system of claim 5, wherein theverification system and the pre-validation system are operated bydifferent entities.
 8. The system of claim 5, further comprising: if theuser authentication information is not identified in the pre-validateduser ID list, initiating a prequalification process comprising:transmit, to the user device, a request to access regulated userattributes of the user; access the regulated user attributes of the userfrom the regulated database; determine whether the regulated userattributes of the user meet the pre-validation criteria or alternativequalification criteria of the provider; and if the regulated userattributes of the user meet the pre-validation criteria or thealternative qualification criteria of the provider, initiatingtransmission of an offer of goods or services to the user device; or ifthe regulated user attributes of the user do not meet the pre-validationcriteria or the alternative qualification criteria of the provider, notinitiating transmission of a firm offer of goods or services to the userdevice.
 9. The system of claim 5, wherein the user authenticationinformation comprises name and address of the user.
 10. The system ofclaim 5, wherein the verification system determines a confidence levelof authentication based on the user authentication information andauthenticates the users only if the confidence level exceeds apredetermined threshold.
 11. A system for displaying offers to customersof a digital display entity, the system comprising: one or morenon-transitory computer readable medium storing software instructions;one or more computer processors configured to execute the softwareinstructions to perform: a pre-validation process comprising: receivepre-validation criteria indicating attributes of users that qualify themfor a content item from a provider; access a regulated database ofregulated user records including, for each of a plurality of users, auser ID and a plurality of regulated user attributes, wherein access tothe regulated user records is regulated by third-party regulations; foreach of the user IDs: determine whether the plurality of regulated userattributes of the regulated user record meet the pre-validationcriteria; if the pre-validation criteria are met, identify the user IDas pre-validated; and if the pre-validation criteria are not met, do notidentify the user ID as pre-validated; generate a pre-validated user IDlist including each of the pre-validated user IDs, wherein thepre-validated user ID list does not include any regulated userattributes from the regulated database; and transmit the pre-validateduser ID list to a targeting system; a targeting process comprising:receive the pre-validated user ID list from a pre-validation system;receive, from a third-party digital display entity, a digital entitydatabase indicating a plurality of digital user records associated withrespective users of a service provided by the digital display entity,each of the digital user records including a digital ID and personalinformation of the associated user, the digital IDs assigned by thethird-party digital display entity and usable to uniquely identify usersaccessing the service provided by the digital display entity; search atargeting database for personal user information matching personalinformation of respective digital user records; if matching personaluser information is identified in the targeting database, add thecorresponding digital ID to a digital ID list; if matching personal userinformation is not identified in the targeting database, do not add thecorresponding digital ID to the digital ID list; and wherein the digitalID list is configured to allow the digital display entity that comprisesa non-transitory computer storage medium storing software instructionsto identify respective users as qualifying for the content item from theprovider in response to the users' digital IDs being included on thedigital ID list and to initiate transmission of a firm offer of goods orservices to the identified users.
 12. The system of claim 11, whereinthe digital display entity is configured to transmit the content item toqualifying users by audio channels, visual channels, applicationchannels, or electronic mail channels; wherein the content itemcomprises an insurance offer and the provider is an insurance provider.13. The system of claim 11, wherein each digital ID includes an emailaddress, and the digital display entity transmits the content item toqualifying digital IDs via respective email addresses.
 14. The system ofclaim 11, wherein identifying a user ID as pre-validated comprisesassociating a flag with the pre-validated user ID, wherein thepre-validated user IDs in the pre-validated ID list are identifiablebased on associations with the flag.
 15. A system for displaying offersto customers of a digital display entity, the system comprising: one ormore non-transitory computer readable medium storing softwareinstructions; one or more computer processors configured to execute thesoftware instructions to perform: a pre-validation process comprising:receive pre-validation criteria indicating attributes of users thatqualify them for a content item from a provider; access a regulateddatabase of regulated user records including, for each of a plurality ofusers, a regulated user ID and a plurality of regulated user attributes,wherein access to the regulated user records is regulated by third-partyregulations; receive from an external targeting system that comprises anon-transitory computer readable medium storing software instructions, atargeting database comprising a plurality of targeting recordsassociated with respective users, each targeting record including a userID and associated personal user information; for respective user IDs ofthe targeting database: correlate the user ID with a regulated userrecord of the regulated database based at least on one or more matchesof personal user information associated with the user IDs andcorresponding of regulated user attributes of the regulated userrecords; determine whether the regulated user attributes of theregulated user record identified as matching the user ID of thetargeting database meet the pre-validation criteria; if thepre-validation criteria are met, identify the user ID as pre-validated;and if the pre-validation criteria are not met, do not identify the userID as pre-validated; generate a pre-validated user ID list includingeach of the pre-validated user IDs, wherein the pre-validated user IDlist does not include any regulated user attributes from the regulateddatabase; and transmit the pre-validated user ID list to the digitaldisplay entity; wherein the digital display entity comprises anon-transitory computer storage medium storing software instructions tomatch respective pre-validated user IDs to corresponding digital IDs ofthe digital display entity to generate a digital ID list configured toallow the digital display entity to identify respective users asqualifying for the content item from the provider in response to theusers' digital IDs being included on the digital ID list; a verificationprocess comprising: receive an indication that a user selected thecontent item displayed by the digital display entity; transmit, to auser device associated with the user, a request for user authenticationinformation; receive, from the user device, the user authenticationinformation; searching the pre-validated user ID list for the userauthentication information; and in response to identifying the userauthentication information associated with a pre-validated user ID inthe pre-validated user ID list, initiating transmission of a firm offerof goods or services to the user device; or in response to notidentifying the user authentication information associated with apre-validated user ID in the pre-validated user ID list, not initiatingtransmission of a firm offer of goods or services to the user device.16. The system of claim 15, wherein the verification system and thepre-validation system are operated by a same entity.
 17. The system ofclaim 15, wherein the verification system and the pre-validation systemare operated by different entities.
 18. The system of claim 15, furthercomprising: if the user authentication information is not identified inthe pre-validated user ID list, initiating a prequalification processcomprising: transmit, to the user device, a request to access regulateduser attributes of the user; access the regulated user attributes of theuser from the regulated database; determine whether the regulated userattributes of the user meet the pre-validation criteria or alternativequalification criteria of the provider; and if the regulated userattributes of the user meet the pre-validation criteria or thealternative qualification criteria of the provider, initiatingtransmission of an offer of goods or services to the user device; or ifthe regulated user attributes of the user do not meet the pre-validationcriteria or the alternative qualification criteria of the provider, notinitiating transmission of a firm offer of goods or services to the userdevice.
 19. The system of claim 15, wherein the user authenticationinformation comprises name and address of the user.
 20. The system ofclaim 15, wherein the verification system determines a confidence levelof authentication based on the user authentication information andauthenticates the users only if the confidence level exceeds apredetermined threshold.